Small Savings
Govt keeps interest rates on various small savings schemes unchanged
The government on Tuesday left interest rates unchanged for various small savings schemes, including PPF and NSC, for the seventh straight quarter beginning October 1, 2025. "The rates of interest on various Small Savings Schemes for the third quarter of FY 2025-26, starting from 1st October, 2025 and ending on 31st December, 2025 shall remain unchanged from those notified for the second quarter (1st July, 2025 to 30th September, 2025) of FY 2025-26," the finance ministry said in a notification. As per the notification, deposits under the Sukanya Samriddhi Scheme will attract an interest rate of 8.2 per cent, while the rate on a three-year term deposit remains at 7.1 per cent prevailing in the current quarter. The interest rates for popular Public Provident Fund (PPF) and post office savings deposit schemes, too, have been retained at 7.1 per cent and 4 per cent, respectively. The interest rate on the Kisan Vikas Patra will be 7.5 per cent, and the investments will mature in 115 ..
 "Govt keeps interest rates on various small savings schemes unchanged")
Post offices to freeze inactive accounts: Here's what customers must do
Department's twice-yearly drive seeks to protect depositors' funds and prevent unauthorised access
 "Post offices to freeze inactive accounts: Here's what customers must do")
Finance ministry may consider rate cut for small savings schemes in FY26
The central bank on Friday reduced the repo rate by 25 basis points to 6.25 per cent from 6.5 per cent following its first monetary policy review of the year
 "Finance ministry may consider rate cut for small savings schemes in FY26")
Govt's small savings collection may not exceed July BE of Rs 4.2 trillion
Shift to new tax regime, steady rates affect collections
 "Govt's small savings collection may not exceed July BE of Rs 4.2 trillion")
India may cut market borrowing if small savings shoot up: Ajay Seth
India has projected gross market borrowing at 15.43 trn Indian rupees ($185.88 bn) for the fiscal year ending on March 31, of which it plans to borrow 8.88 trn rupees between April and Sept
 "India may cut market borrowing if small savings shoot up: Ajay Seth")
Senior citizens scheme sees investment of over Rs 10,000 crore in April
The interest rate for SCSS was increased to 8.2% from 8%, and that of the monthly income scheme was increased to 7.4% from 7.1%
 "Senior citizens scheme sees investment of over Rs 10,000 crore in April")
Govt hikes interest rates on most small savings schemes by up to 70 bps
Rate on National Savings Certificate steeply raised by 70 bps, PPF kept unchanged
 "Govt hikes interest rates on most small savings schemes by up to 70 bps")
Govt hikes interest rates on most small saving schemes for June quarter
The interest rate on the Public Provident Fund has yet again been kept unchanged at 7.1%
 "Govt hikes interest rates on most small saving schemes for June quarter")
Rising India rates to upset PM Modi's Budget math on small savings
Bonds have since pared their gains, with the budget math increasingly looking daunting as commercial interest rates soar tracking a tight monetary policy
 "Rising India rates to upset PM Modi's Budget math on small savings")
Finance Ministry sharply raises small savings rates for March quarter
Small savings rates for 1-year time deposit (6.6 per cent), 2-year time deposit (6.8 per cent) and 3-year time deposit (6.9 per cent) were raised by 110 bps
 "Finance Ministry sharply raises small savings rates for March quarter")
Learn to draw lessons from mistakes, then share them
Rick talks about clients relating to him better because he had the courage to display his vulnerability and talk about the lessons learnt from his mistakes
Some small savings schemes see up to 30-basis point hike for Q3 of FY23
National Savings Certificate, Public Provident Fund rate kept unchanged
 "Some small savings schemes see up to 30-basis point hike for Q3 of FY23")
Small savings rate may remain unchanged for Oct-Dec qtr despite RBI moves
If this happens, it will be the 10th straight quarter of status quo; govt official says Centre did not cut rates when policy rates were being cut during pandemic
West Bengal's share in small savings rises to highest since pandemic began
Maharashtra has also seen an increase in net collections in recent years
 "West Bengal's share in small savings rises to highest since pandemic began")
Returns on small savings remain attractive despite no rate reviews
Investors who want to avoid their long lock-in can choose from a host of other high credit quality options
 "Returns on small savings remain attractive despite no rate reviews")
Once low-profile NSSF now a key player in Centre's finances for past 7 yrs
While govt's market borrowings have doubled from FY16 to FY22, NSSF loans to finance fiscal deficit have grown 11x
 "Once low-profile NSSF now a key player in Centre's finances for past 7 yrs")
Move quickly and lock into current small-saving rates wherever you can
However, do so only if your asset allocation requires you to invest more on the debt side, and you are comfortable with the long lock-in
 "Move quickly and lock into current small-saving rates wherever you can")
How NSSF could morph from a rainy-day fund into a huge burden for the govt
Costlier loans from NSSF, at 7.4% interest rate, will occupy more than 10% share in govt's outstanding public debt soon, all to give the small saver a higher interest rate than the market
 "How NSSF could morph from a rainy-day fund into a huge burden for the govt")
Covid-19 effect: Small savings cross Rs 1-trillion mark in first 6 months
A record, this is 25% more than last year, and 130% more than the average of the past five years
 "Covid-19 effect: Small savings cross Rs 1-trillion mark in first 6 months")
Covid-19 makes small savings the prime channel for parking individual money
Collections by small savings schemes crossed Rs 1 trillion in April-September for the first time
 "Covid-19 makes small savings the prime channel for parking individual money")
